Ali Small Loan belongs to Internet finance.

Second, is Ali Small Loan a financial service platform model based on big data?

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14 On February 20th, Ali Small Loan, a subsidiary of Ali Finance, granted its first big data credit.

The academic definition of hydrological model is symbolizing natural system and transmitting numbers.

The hydrological model of Ali Small Loan can be understood as the establishment of a huge database, including not only the data of similar enterprises of loan customers themselves, but also the mathematical methods and means based on these data.

Finally, in Ali's small loan business decision-making, hydrological model will provide objective analysis and suggestions for the company's decision-making level to form business.

For example, if the peak season of a store is summer, and the annual summer sales will increase sharply, then the amount of foreign investment of this store will also increase every summer, which can be based on the capital demand in the historical period.

At the same time, compare the data of the store at other times, judge the capital demand of the store at each time, and give it to the store.

On the contrary, if you don't make a comparison, just use the data of the summer sales season to provide too much money for the store.

With the help of hydrological model, Ali small loans have developed rapidly. From 2065438 to February 2004, Ali's small loans totaled more than17 billion yuan, serving more than 700,000 small and micro enterprises, and the NPL ratio was less than 1%. Among them, new loans in 20 13 years10 billion yuan.

But Ali's hydrological model may only be used in traditional companies, which has certain barriers.

Ali small loans are mainly Taobao loans and Ali loans. Credit loans and order loans are different. Ali's customers are mainly shops on Taobao and Alibaba. Because these stores are operating on the Baba platform, Ali Xiaoyu can easily obtain the historical data of customers.

The advantages of big data may only be comparable to those of Internet giants at the same level like Baidu and Tencent. At present, Baidu Small Loan Company was also approved in September, 20 13, and the service object is given priority to Tenpay Small Loan 20 1 in baidu promotion. The target customer of Tenpay Small Loan is Tencent's e-commerce enterprise.

Baidu and Tencent's own target customers have decided that they can build perfect databases and big data models like Ali Xiaoyu. This is not available in traditional companies.

Perhaps when the internet small loan company set up a complete internet VS entity company, the battle began.

3. Is Ali Small Loan a financial service platform model based on big data?

It is said that this is the case, and I have never experienced it myself.

Similarly, you can look at the online merchant bank just established on June 25th this year.

Fourth, Ali's introduction

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